Best cards by spend

Best miles credit cards in Singapore (July 2026)

The best air miles credit cards in Singapore, by what you're spending on. Pick a category and we'll show you the one card to use, a couple of alternatives, and the fine print worth knowing.

Online ShoppingWhere most of your spend already happens — and where 4 mpd is easiest to earn.See our pick →DiningRestaurants, cafés and date nights — minus the fast-food fine print.See our pick →GroceriesSupermarkets are quietly excluded from most bonuses. Here's the workaround.See our pick →Travel BookingsFlights, hotels and OTAs — where the wrong card quietly earns 10× less.See our pick →TransportGrab rides, MRT taps, and the SimplyGo trap most cards fall into.See our pick →Overseas Spend4 mpd on holiday spending — and the FX-fee math nobody explains.See our pick →ContactlessTap your phone, earn 4 mpd. The easiest miles you'll ever make.See our pick →General SpendFor everything the bonus cards won't touch. Honestly? Optional.See our pick →

Frequently asked questions

Which credit card earns the most miles in Singapore?

No single card wins everywhere. The 4 mpd specialists — Citi Rewards, DBS Woman's World, HSBC Revolution, UOB Preferred Visa — each dominate a category, capped around S$1,000/month each.

What does mpd mean?

Miles per dollar (mpd) — how many airline miles you earn per S$1 spent. 4 mpd is the gold standard for bonus categories.

Are air miles better than cashback?

Only if you value a mile above roughly 1.5 cents — realistic when you redeem premium-cabin or long-haul flights. Otherwise cashback is simpler and often wins.

How much is one mile worth?

Roughly 1.4–2 cents each, depending on how you redeem — economy redemptions sit at the low end, business and first class at the high end.

Last updated 4 July 2026.